There is no single legal minimum, but policy limits typically start at £1 million or £2 million. The amount of public liability cover you need depends entirely on your specific trade, the clients you work with, and your contract requirements. Many client contracts or trade associations will explicitly state a minimum level of coverage before you can start working with them.

While insurance isn't always a legal requirement for every self-employed professional, it is highly recommended to protect your livelihood. When you're a sole trader, there's no legal distinction between your personal assets and your business.

A single mistake, accident, or property damage claim could put your personal savings or home at risk. Business insurance gives you a vital financial safety net, helps you secure bigger contracts, and lets you work with confidence.

At Tide, we know you need to move fast, which is why you can buy your policy online or via the app in just a few minutes. As soon as your purchase is complete, your official policy documents and proof of cover are generated immediately. You can download them right away to show your clients and start your next job without delay.